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The average cost of homeowners insurance in Tampa is $3,893 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on’s rate data analysis. It’s ~$1,611 more than the national average of $2,282.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Tampa depend on a number of factors, including:

  • Size of your home
  • Age of your home
  • Amount of coverage you need
  • Location
  • Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Tampa, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Tampa.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Tampa.

How much is homeowners insurance in Tampa per month

Tampa homeowners pay an average of $324.42 a month, based on our rate analysis. It’s ~$40 more than the state average of $284.83 and ~$134 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Tampa may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Tampa

The average cost of homeowners insurance in Tampa, FL is $3,030 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Tampa

According to a rate analysis by, homeowners in Tampa pay an average of $3,893 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $863 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Tampa by Company

Among the carriers analyzed, Travelers Grp is the cheapest homeowners insurance company in Tampa. Its average annual rate for Tampa homeowners is $2,223 . Nationwide Corp Grp ranks second and Heritage Ins Holdings Grp makes it to the third spot with an average annual home insurance rate of $4,400 .

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Tampa and prepared a list of the top ten cheapest home insurance providers. You can find below the Tampa home insurance companies and their average annual premium.

Home Insurance CompanyAnnual rate
Citizens Property Ins Corp$4,894
Universal Ins Holding Grp$4,715
Allstate Ins Grp$4,555
Heritage Ins Holdings Grp$4,400
Nationwide Corp Grp$3,583
Travelers Grp$2,223